Mr. Pat McCormack:

I thank Deputy Kerrane for the question. As was alluded to by Mr. Rushe and Ms Doyle, there are two tedious issues for anyone developing or purchasing a house. One is planning permission and the other is acquiring financial security, unless you are fortunate enough to have it yourself. For either of those, by the time a loan is drawn down or planning permission is secured, it is a 13-month, or certainly 12-month, period. That is why in my opening statement I stated it needed to be 26 or definitely 24 months, rather than 13. My colleague, Mr. Enright, wants to come in with a couple of points on the various opportunities to draw down financial support.